EFX Q3 2025 Earnings
Reported Oct 21, 2025 at 6:32 AM ET · SEC Source
Q3 25 EPS
$2.04
BEAT +5.39%
Est. $1.94
Q3 25 Revenue
$1.54B
BEAT +1.43%
Est. $1.52B
vs S&P Since Q3 25
-29.2%
TRAILING MARKET
EFX -21.9% vs S&P +7.4%
Market Reaction
Did EFX Beat Earnings? Q3 2025 Results
Equifax delivered a clean beat across the board in Q3 2025, reporting revenue of $1.54 billion, up 7.2% year over year and ahead of the $1.52 billion consensus, while adjusted diluted EPS of $2.04 cleared the $1.94 estimate by 5.39%, supported by a 1… Read more Equifax delivered a clean beat across the board in Q3 2025, reporting revenue of $1.54 billion, up 7.2% year over year and ahead of the $1.52 billion consensus, while adjusted diluted EPS of $2.04 cleared the $1.94 estimate by 5.39%, supported by a 10% year-over-year gain in per-share earnings. The standout driver was USIS, which posted 11% growth, well above the segment's 6-8% long-term framework, with mortgage revenue alone surging 26% even as U.S. Mortgage hard pull inquiry volumes fell 7% year over year. GAAP net income attributable to Equifax reached $160.20 million, up 13% from the prior year. Management lifted full-year 2025 guidance, raising the revenue midpoint by $40 million to a range of $6.03 billion to $6.06 billion and adjusted EPS guidance by $0.12 to $7.55 to $7.65, while free cash flow guidance moved to $950 million to $975 million. Citi maintained a Buy rating on the stock following the results, reflecting broader analyst confidence in Equifax's execution.
Key Takeaways
- • Strong 13% U.S. Mortgage revenue growth despite decline in underlying mortgage market
- • Workforce Solutions Government vertical high single digit growth
- • USIS Mortgage revenue growth of 26%
- • Non-Mortgage Verification Services revenue growth of 7%
- • Double digit growth in Consumer Lending businesses
- • New Product Innovation with Vitality Index of 16%
- • International local currency growth of 7% led by Canada and Latin America
EFX YoY Financials
Q3 2025 vs Q3 2024, source: SEC Filings
EFX Revenue by Segment
With YoY comparisons, source: SEC Filings
EFX Revenue by Geography
With YoY comparisons, source: SEC Filings
“Equifax delivered strong third quarter revenue of $1.545 billion, up 7% on both a reported and local currency basis, that was $25 million above the midpoint of our July Guidance. This was led by strong 13% U.S. Mortgage revenue growth, strong Workforce Solutions Government vertical results, and continued momentum in New Product Innovation with a Vitality Index of 16% despite headwinds from the U.S. Mortgage and Hiring markets.”
— Mark W. Begor, Q3 2025 Earnings Press Release
EFX Earnings Trends
EFX vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
EFX EPS Trend
Earnings per share: estimate vs actual
EFX Revenue Trend
Quarterly revenue: estimate vs actual
EFX Quarterly Results
4 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q1 26 BEAT | $1.70 | $1.86 | +9.73% | $1.65B | +1.89% |
| Q4 25 BEAT FY | $2.05 | $2.09 | +1.95% | $1.55B | +1.49% |
| FY Full Year | $7.62 | $7.65 | +0.43% | $6.07B | +0.38% |
| Q3 25 BEAT | $1.94 | $2.04 | +5.39% | $1.54B | +1.43% |
| Q2 25 BEAT | $1.91 | $2.00 | +4.50% | $1.54B | +1.75% |